Loans Dataset Report

Dataset statistics

Number of variables	25
Number of observations	3953
Missing cells	1047
Missing cells (%)	1.1%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	3.6 MiB
Average record size in memory	966.5 B

Variable types

CAT	14
NUM	10
BOOL	1

Reproduction

Analysis started	2020-05-16 03:38:37.582264
Analysis finished	2020-05-16 03:39:05.953347
Version	pandas-profiling v2.6.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

`name` has a high cardinality: 3682 distinct values	High cardinality
`email_id` has a high cardinality: 3373 distinct values	High cardinality
`dt_applied` has a high cardinality: 3953 distinct values	High cardinality
`university` has a high cardinality: 3140 distinct values	High cardinality
`zip_code` has a high cardinality: 615 distinct values	High cardinality
`funded_amnt_inv` is highly correlated with `loan_amnt` and 1 other fields	High Correlation
`loan_amnt` is highly correlated with `funded_amnt_inv` and 1 other fields	High Correlation
`installment` is highly correlated with `loan_amnt` and 1 other fields	High Correlation
`sub_grade` is highly correlated with `grade`	High Correlation
`grade` is highly correlated with `sub_grade`	High Correlation
`name` has 271 (6.9%) missing values	Missing
`email_id` has 580 (14.7%) missing values	Missing
`gender` has 78 (2.0%) missing values	Missing
`university` has 118 (3.0%) missing values	Missing
`delinq_2yrs` has 3628 (91.8%) zeros	Zeros
`inq_last_6mths` has 1822 (46.1%) zeros	Zeros
`revol_bal` has 42 (1.1%) zeros	Zeros

name
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct count	3682
Unique (%)	100.0%
Missing	271
Missing (%)	6.9%
Memory size	31.0 KiB

Torrey Avraham	1
Birk Shufflebotham	1
Chance Zannini	1
Ginevra Sowthcote	1
Vally De Bischop	1
Other values (3677)	3677

Value	Count	Frequency (%)
Torrey Avraham	1	< 0.1%
Birk Shufflebotham	1	< 0.1%
Chance Zannini	1	< 0.1%
Ginevra Sowthcote	1	< 0.1%
Vally De Bischop	1	< 0.1%
Jacynth Royson	1	< 0.1%
Lilian Lambell	1	< 0.1%
Hector Bates	1	< 0.1%
Gage Washtell	1	< 0.1%
Davide Rickword	1	< 0.1%
Other values (3672)	3672	92.9%
(Missing)	271	6.9%

Length

Max length	23
Mean length	13.27649886
Min length	3

Value	Count	Frequency (%)
Uppercase_Letter	26	44.8%
Lowercase_Letter	26	44.8%
Other_Punctuation	3	5.2%
Space_Separator	1	1.7%
Close_Punctuation	1	1.7%
Dash_Punctuation	1	1.7%

Value	Count	Frequency (%)
Latin	52	89.7%
Common	6	10.3%

Value	Count	Frequency (%)
ASCII	58	100.0%

email_id
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct count	3373
Unique (%)	100.0%
Missing	580
Missing (%)	14.7%
Memory size	31.0 KiB

jdeck@com.com	1
gswyre2x@hp.com	1
bdewingla@rambler.ru	1
fbessellfa@goo.gl	1
mtearny9i@google.ca	1
Other values (3368)	3368

Value	Count	Frequency (%)
jdeck@com.com	1	< 0.1%
gswyre2x@hp.com	1	< 0.1%
bdewingla@rambler.ru	1	< 0.1%
fbessellfa@goo.gl	1	< 0.1%
mtearny9i@google.ca	1	< 0.1%
oespinheiramc@shop-pro.jp	1	< 0.1%
jpellingtondz@phpbb.com	1	< 0.1%
tstoodersl8@zdnet.com	1	< 0.1%
blysth1@ycombinator.com	1	< 0.1%
rbirrelh6@ustream.tv	1	< 0.1%
Other values (3363)	3363	85.1%
(Missing)	580	14.7%

Length

Max length	35
Mean length	19.06982039
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	26	66.7%
Decimal_Number	10	25.6%
Other_Punctuation	2	5.1%
Dash_Punctuation	1	2.6%

Value	Count	Frequency (%)
Latin	26	66.7%
Common	13	33.3%

Value	Count	Frequency (%)
ASCII	39	100.0%

gender
Categorical

MISSING

Distinct count	2
Unique (%)	0.1%
Missing	78
Missing (%)	2.0%
Memory size	31.0 KiB

Male	1970
Female	1905

Value	Count	Frequency (%)
Male	1970	49.8%
Female	1905	48.2%
(Missing)	78	2.0%

Length

Max length	6
Mean length	4.944093094
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	5	71.4%
Uppercase_Letter	2	28.6%

Value	Count	Frequency (%)
Latin	7	100.0%

Value	Count	Frequency (%)
ASCII	7	100.0%

dt_applied
Categorical

HIGH CARDINALITY
UNIFORM
UNIQUE

Distinct count	3953
Unique (%)	100.0%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

07/11/86	1
29/02/84	1
02/02/88	1
29/04/89	1
05/08/82	1
Other values (3948)	3948

Value	Count	Frequency (%)
07/11/86	1	< 0.1%
29/02/84	1	< 0.1%
02/02/88	1	< 0.1%
29/04/89	1	< 0.1%
05/08/82	1	< 0.1%
30/01/83	1	< 0.1%
22/01/88	1	< 0.1%
05/07/91	1	< 0.1%
27/06/89	1	< 0.1%
14/02/90	1	< 0.1%
Other values (3943)	3943	99.7%

Length

Max length	8
Mean length	8
Min length	8

Value	Count	Frequency (%)
Decimal_Number	10	90.9%
Other_Punctuation	1	9.1%

Value	Count	Frequency (%)
Common	11	100.0%

Value	Count	Frequency (%)
ASCII	11	100.0%

university
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct count	3140
Unique (%)	81.9%
Missing	118
Missing (%)	3.0%
Memory size	31.0 KiB

Carlow College	4
Abant Izzet Baysal University	4
Universidad de Congreso	4
Universidad Tecnológica de México	4
Phillips Graduate Institute	4
Other values (3135)	3815

Value	Count	Frequency (%)
Carlow College	4	0.1%
Abant Izzet Baysal University	4	0.1%
Universidad de Congreso	4	0.1%
Universidad Tecnológica de México	4	0.1%
Phillips Graduate Institute	4	0.1%
Arab Open University	4	0.1%
Stavropol State Technical University	4	0.1%
Universidad Valle del Momboy	4	0.1%
Jiangxi University of Traditional Chinese Medicine	4	0.1%
Fukuoka Institute of Technology	4	0.1%
Other values (3130)	3795	96.0%
(Missing)	118	3.0%

Length

Max length	114
Mean length	29.67088287
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	47	48.0%
Uppercase_Letter	29	29.6%
Decimal_Number	8	8.2%
Other_Punctuation	6	6.1%
Control	2	2.0%
Space_Separator	1	1.0%
Open_Punctuation	1	1.0%
Close_Punctuation	1	1.0%
Dash_Punctuation	1	1.0%
Final_Punctuation	1	1.0%

Value	Count	Frequency (%)
Latin	76	77.6%
Common	22	22.4%

Value	Count	Frequency (%)
ASCII	70	97.2%
Punctuation	2	2.8%

loan_amnt
Real number (ℝ_≥0)

HIGH CORRELATION

Distinct count	434
Unique (%)	11.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	13017.499367568935
Minimum	1000
Maximum	35000
Zeros	0
Zeros (%)	0.0%
Memory size	31.0 KiB

Quantile statistics

Minimum	1000
5-th percentile	3000
Q1	6500
median	12000
Q3	17625
95-th percentile	30000
Maximum	35000
Range	34000
Interquartile range (IQR)	11125

Descriptive statistics

Standard deviation	8155.330342
Coefficient of variation (CV)	0.6264897821
Kurtosis	0.3258532123
Mean	13017.49937
Median Absolute Deviation (MAD)	6481.432333
Skewness	0.9233128761
Sum	51458175
Variance	66509412.98

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 1000. 1050. 1975. 2050. 2350. ... 28050. 29925. 30200. 34737.5 35000. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
12000	315	8.0%
10000	259	6.6%
15000	190	4.8%
20000	174	4.4%
6000	165	4.2%
5000	153	3.9%
35000	143	3.6%
8000	124	3.1%
16000	99	2.5%
25000	97	2.5%
Other values (424)	2234	56.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1000	21	0.5%
1100	1	< 0.1%
1200	9	0.2%
1300	2	0.1%
1325	1	< 0.1%

Value	Count	Frequency (%)
35000	143	3.6%
34475	1	< 0.1%
34000	2	0.1%
33950	1	< 0.1%
33600	2	0.1%

funded_amnt_inv
Real number (ℝ_≥0)

HIGH CORRELATION

Distinct count	828
Unique (%)	20.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	12809.792160966355
Minimum	750.0
Maximum	35000.0
Zeros	0
Zeros (%)	0.0%
Memory size	31.0 KiB

Quantile statistics

Minimum	750
5-th percentile	3000
Q1	6500
median	11775
Q3	17000
95-th percentile	29735
Maximum	35000
Range	34250
Interquartile range (IQR)	10500

Descriptive statistics

Standard deviation	7935.907682
Coefficient of variation (CV)	0.619518848
Kurtosis	0.3951370723
Mean	12809.79216
Median Absolute Deviation (MAD)	6291.457434
Skewness	0.9263171893
Sum	50637108.41
Variance	62978630.74

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 750. 1975. 2025. 2350. 2412.5 ... 34948.00626 34972.090825 34975.40818 34998.676225 35000. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
12000	249	6.3%
10000	222	5.6%
6000	153	3.9%
5000	143	3.6%
15000	139	3.5%
8000	113	2.9%
7000	87	2.2%
3000	74	1.9%
20000	72	1.8%
14000	64	1.6%
Other values (818)	2637	66.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
750	1	< 0.1%
1000	20	0.5%
1100	1	< 0.1%
1200	9	0.2%
1300	2	0.1%

Value	Count	Frequency (%)
35000	37	0.9%
34997.35245	1	< 0.1%
34993.65539	1	< 0.1%
34987.98452	1	< 0.1%
34987.27101	1	< 0.1%

term
Categorical

Distinct count	2
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

36 months	2687
60 months	1266

Value	Count	Frequency (%)
36 months	2687	68.0%
60 months	1266	32.0%

Length

Max length	10
Mean length	10
Min length	10

Value	Count	Frequency (%)
Lowercase_Letter	6	60.0%
Decimal_Number	3	30.0%
Space_Separator	1	10.0%

Value	Count	Frequency (%)
Latin	6	60.0%
Common	4	40.0%

Value	Count	Frequency (%)
ASCII	10	100.0%

int_rate
Real number (ℝ_≥0)

Distinct count	35
Unique (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.1296908676954212
Minimum	0.06
Maximum	0.24100000000000002
Zeros	0
Zeros (%)	0.0%
Memory size	31.0 KiB

Quantile statistics

Minimum	0.06
5-th percentile	0.066
Q1	0.099
median	0.127
Q3	0.16
95-th percentile	0.203
Maximum	0.241
Range	0.181
Interquartile range (IQR)	0.061

Descriptive statistics

Standard deviation	0.04160931484
Coefficient of variation (CV)	0.3208345782
Kurtosis	-0.6951924625
Mean	0.1296908677
Median Absolute Deviation (MAD)	0.03406419113
Skewness	0.226416223
Sum	512.668
Variance	0.001731335081

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.06 0.063 0.077 0.084 0.112 ... 0.1745 0.192 0.206 0.2255 0.241 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0.117	324	8.2%
0.127	259	6.6%
0.079	259	6.6%
0.124	254	6.4%
0.135	231	5.8%
0.143	226	5.7%
0.107	213	5.4%
0.099	211	5.3%
0.089	198	5.0%
0.06	160	4.0%
Other values (25)	1618	40.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.06	160	4.0%
0.066	156	3.9%
0.075	137	3.5%
0.079	259	6.6%
0.089	198	5.0%

Value	Count	Frequency (%)
0.241	2	0.1%
0.239	6	0.2%
0.235	6	0.2%
0.231	4	0.1%
0.227	6	0.2%

installment
Real number (ℝ_≥0)

HIGH CORRELATION

Distinct count	1923
Unique (%)	48.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	375.2073362003542
Minimum	32.23
Maximum	1283.5
Zeros	0
Zeros (%)	0.0%
Memory size	31.0 KiB

Quantile statistics

Minimum	32.23
5-th percentile	93.88
Q1	205.86
median	336
Q3	494.59
95-th percentile	813.626
Maximum	1283.5
Range	1251.27
Interquartile range (IQR)	288.73

Descriptive statistics

Standard deviation	220.261152
Coefficient of variation (CV)	0.5870385006
Kurtosis	0.8900854243
Mean	375.2073362
Median Absolute Deviation (MAD)	171.9058561
Skewness	0.9837168213
Sum	1483194.6
Variance	48514.9751

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 32.23 76.085 152.155 152.285 153.485 ... 821.125 983.32 1091.75 1113.46 1283.5 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
330.76	27	0.7%
396.92	25	0.6%
325.74	22	0.6%
386.7	21	0.5%
339.31	20	0.5%
322.25	19	0.5%
334.16	19	0.5%
343.09	18	0.5%
190.52	18	0.5%
368.45	17	0.4%
Other values (1913)	3747	94.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
32.23	1	< 0.1%
32.58	2	0.1%
33.08	2	0.1%
33.55	1	< 0.1%
33.94	3	0.1%

Value	Count	Frequency (%)
1283.5	1	< 0.1%
1276.6	1	< 0.1%
1269.73	1	< 0.1%
1243.85	1	< 0.1%
1222.03	1	< 0.1%

grade
Categorical

HIGH CORRELATION

Distinct count	7
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

B	1262
A	908
C	811
D	510
E	313
Other values (2)	149

Value	Count	Frequency (%)
B	1262	31.9%
A	908	23.0%
C	811	20.5%
D	510	12.9%
E	313	7.9%
F	125	3.2%
G	24	0.6%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Uppercase_Letter	7	100.0%

Value	Count	Frequency (%)
Latin	7	100.0%

Value	Count	Frequency (%)
ASCII	7	100.0%

sub_grade
Categorical

HIGH CORRELATION

Distinct count	35
Unique (%)	0.9%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

B3	324
B5	260
A4	259
B4	254
C1	231
Other values (30)	2625

Value	Count	Frequency (%)
B3	324	8.2%
B5	260	6.6%
A4	259	6.6%
B4	254	6.4%
C1	231	5.8%
C2	227	5.7%
B2	213	5.4%
B1	211	5.3%
A5	198	5.0%
A1	158	4.0%
Other values (25)	1618	40.9%

Length

Max length	2
Mean length	2
Min length	2

Value	Count	Frequency (%)
Uppercase_Letter	7	58.3%
Decimal_Number	5	41.7%

Value	Count	Frequency (%)
Latin	7	58.3%
Common	5	41.7%

Value	Count	Frequency (%)
ASCII	12	100.0%

home_ownership
Categorical

Distinct count	3
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

RENT	2081
MORTGAGE	1577
OWN	295

Value	Count	Frequency (%)
RENT	2081	52.6%
MORTGAGE	1577	39.9%
OWN	295	7.5%

Length

Max length	8
Mean length	5.521123198
Min length	3

Value	Count	Frequency (%)
Uppercase_Letter	9	100.0%

Value	Count	Frequency (%)
Latin	9	100.0%

Value	Count	Frequency (%)
ASCII	9	100.0%

annual_inc
Real number (ℝ_≥0)

Distinct count	813
Unique (%)	20.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	66175.9735365545
Minimum	8280.0
Maximum	550000.0
Zeros	0
Zeros (%)	0.0%
Memory size	31.0 KiB

Quantile statistics

Minimum	8280
5-th percentile	25000
Q1	40100
median	57000
Q3	80000
95-th percentile	135880
Maximum	550000
Range	541720
Interquartile range (IQR)	39900

Descriptive statistics

Standard deviation	40498.80417
Coefficient of variation (CV)	0.6119865264
Kurtosis	18.71426089
Mean	66175.97354
Median Absolute Deviation (MAD)	27257.62778
Skewness	3.058200935
Sum	261593623.4
Variance	1640153139

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 8280. 11910. 12126. 19100. 19220. ... 180198. 197500. 202000. 312500. 550000.], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
60000	154	3.9%
50000	149	3.8%
75000	120	3.0%
40000	120	3.0%
45000	114	2.9%
70000	96	2.4%
80000	93	2.4%
30000	93	2.4%
65000	88	2.2%
35000	82	2.1%
Other values (803)	2844	71.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
8280	1	< 0.1%
8400	1	< 0.1%
9600	1	< 0.1%
9960	1	< 0.1%
10000	1	< 0.1%

Value	Count	Frequency (%)
550000	1	< 0.1%
525000	1	< 0.1%
408000	1	< 0.1%
400000	2	0.1%
365000	1	< 0.1%

verification_status
Categorical

Distinct count	3
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

Verified	1515
Not Verified	1247
Source Verified	1191

Value	Count	Frequency (%)
Verified	1515	38.3%
Not Verified	1247	31.5%
Source Verified	1191	30.1%

Length

Max length	15
Mean length	11.37085758
Min length	8

Value	Count	Frequency (%)
Lowercase_Letter	9	69.2%
Uppercase_Letter	3	23.1%
Space_Separator	1	7.7%

Value	Count	Frequency (%)
Latin	12	92.3%
Common	1	7.7%

Value	Count	Frequency (%)
ASCII	13	100.0%

loan_writeoff
Boolean

Distinct count	2
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

0	3275
1	678

Frequency Table

Value	Count	Frequency (%)
0	3275	82.8%
1	678	17.2%

purpose
Categorical

Distinct count	13
Unique (%)	0.3%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

debt_consolidation	2102
credit_card	792
other	297
home_improvement	196
small_business	145
Other values (8)	421

Value	Count	Frequency (%)
debt_consolidation	2102	53.2%
credit_card	792	20.0%
other	297	7.5%
home_improvement	196	5.0%
small_business	145	3.7%
major_purchase	100	2.5%
car	90	2.3%
wedding	63	1.6%
medical	52	1.3%
moving	39	1.0%
Other values (3)	77	1.9%

Length

Max length	18
Mean length	14.28307614
Min length	3

Value	Count	Frequency (%)
Lowercase_Letter	21	95.5%
Connector_Punctuation	1	4.5%

Value	Count	Frequency (%)
Latin	21	95.5%
Common	1	4.5%

Value	Count	Frequency (%)
ASCII	22	100.0%

zip_code
Categorical

HIGH CARDINALITY

Distinct count	615
Unique (%)	15.6%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

606xx	55
900xx	55
100xx	54
112xx	50
945xx	49
Other values (610)	3690

Value	Count	Frequency (%)
606xx	55	1.4%
900xx	55	1.4%
100xx	54	1.4%
112xx	50	1.3%
945xx	49	1.2%
070xx	45	1.1%
331xx	44	1.1%
750xx	41	1.0%
300xx	41	1.0%
113xx	40	1.0%
Other values (605)	3479	88.0%

Length

Max length	5
Mean length	5
Min length	5

Value	Count	Frequency (%)
Decimal_Number	10	90.9%
Lowercase_Letter	1	9.1%

Value	Count	Frequency (%)
Common	10	90.9%
Latin	1	9.1%

Value	Count	Frequency (%)
ASCII	11	100.0%

add_state
Categorical

Distinct count	43
Unique (%)	1.1%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

CA	729
NY	372
FL	304
TX	273
NJ	181
Other values (38)	2094

Value	Count	Frequency (%)
CA	729	18.4%
NY	372	9.4%
FL	304	7.7%
TX	273	6.9%
NJ	181	4.6%
IL	155	3.9%
GA	146	3.7%
PA	136	3.4%
VA	130	3.3%
OH	124	3.1%
Other values (33)	1403	35.5%

Length

Max length	2
Mean length	2
Min length	2

Value	Count	Frequency (%)
Uppercase_Letter	24	100.0%

Value	Count	Frequency (%)
Latin	24	100.0%

Value	Count	Frequency (%)
ASCII	24	100.0%

dti
Real number (ℝ_≥0)

Distinct count	1961
Unique (%)	49.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14.428287376675943
Minimum	0.0
Maximum	29.85
Zeros	3
Zeros (%)	0.1%
Memory size	31.0 KiB

Quantile statistics

Minimum	0
5-th percentile	3.932
Q1	9.58
median	14.45
Q3	19.47
95-th percentile	24.214
Maximum	29.85
Range	29.85
Interquartile range (IQR)	9.89

Descriptive statistics

Standard deviation	6.378445753
Coefficient of variation (CV)	0.4420792008
Kurtosis	-0.7703420751
Mean	14.42828738
Median Absolute Deviation (MAD)	5.34898955
Skewness	-0.04903565752
Sum	57035.02
Variance	40.68457022

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 3.73 6.095 8.675 20.055 23.945 24.985 29.85 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
11.8	9	0.2%
18.63	8	0.2%
20.88	8	0.2%
9.65	7	0.2%
12.48	7	0.2%
18.84	7	0.2%
17.67	7	0.2%
16.4	7	0.2%
19.63	7	0.2%
16.2	7	0.2%
Other values (1951)	3879	98.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	3	0.1%
0.02	2	0.1%
0.07	1	< 0.1%
0.2	1	< 0.1%
0.25	1	< 0.1%

Value	Count	Frequency (%)
29.85	1	< 0.1%
29.83	1	< 0.1%
29.73	1	< 0.1%
29.72	1	< 0.1%
29.63	1	< 0.1%

delinq_2yrs
Real number (ℝ_≥0)

ZEROS

Distinct count	6
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.10852517075638755
Minimum	0
Maximum	6
Zeros	3628
Zeros (%)	91.8%
Memory size	31.0 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	6
Range	6
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.4087983222
Coefficient of variation (CV)	3.766852606
Kurtosis	32.99870086
Mean	0.1085251708
Median Absolute Deviation (MAD)	0.1992053223
Skewness	4.954297207
Sum	429
Variance	0.1671160683

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.5 1.5 2.5 3.5 6. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	3628	91.8%
1	246	6.2%
2	61	1.5%
3	13	0.3%
4	4	0.1%
6	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	3628	91.8%
1	246	6.2%
2	61	1.5%
3	13	0.3%
4	4	0.1%

Value	Count	Frequency (%)
6	1	< 0.1%
4	4	0.1%
3	13	0.3%
2	61	1.5%
1	246	6.2%

inq_last_6mths
Real number (ℝ_≥0)

ZEROS

Distinct count	9
Unique (%)	0.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.8555527447508222
Minimum	0
Maximum	8
Zeros	1822
Zeros (%)	46.1%
Memory size	31.0 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	1
Q3	1
95-th percentile	3
Maximum	8
Range	8
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	0.997025005
Coefficient of variation (CV)	1.165357731
Kurtosis	2.163689287
Mean	0.8555527448
Median Absolute Deviation (MAD)	0.7886754874
Skewness	1.26526022
Sum	3382
Variance	0.9940588606

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0. 0.5 1.5 2.5 3.5 5.5 8. ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	1822	46.1%
1	1245	31.5%
2	584	14.8%
3	265	6.7%
4	21	0.5%
5	10	0.3%
6	3	0.1%
7	2	0.1%
8	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	1822	46.1%
1	1245	31.5%
2	584	14.8%
3	265	6.7%
4	21	0.5%

Value	Count	Frequency (%)
8	1	< 0.1%
7	2	0.1%
6	3	0.1%
5	10	0.3%
4	21	0.5%

pub_rec
Categorical

Distinct count	3
Unique (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	31.0 KiB

0	3831
1	120
2	2

Value	Count	Frequency (%)
0	3831	96.9%
1	120	3.0%
2	2	0.1%

Length

Max length	1
Mean length	1
Min length	1

Value	Count	Frequency (%)
Decimal_Number	3	100.0%

Value	Count	Frequency (%)
Common	3	100.0%

Value	Count	Frequency (%)
ASCII	3	100.0%

revol_bal
Real number (ℝ_≥0)

ZEROS

Distinct count	3672
Unique (%)	92.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14367.447508221603
Minimum	0
Maximum	140967
Zeros	42
Zeros (%)	1.1%
Memory size	31.0 KiB

Quantile statistics

Minimum	0
5-th percentile	1240.4
Q1	6352
median	11449
Q3	18151
95-th percentile	35148.4
Maximum	140967
Range	140967
Interquartile range (IQR)	11799

Descriptive statistics

Standard deviation	13468.63453
Coefficient of variation (CV)	0.937441012
Kurtosis	18.01764983
Mean	14367.44751
Median Absolute Deviation (MAD)	8653.89346
Skewness	3.322035836
Sum	56794520
Variance	181404116.1

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[0.00000e+00 1.50000e+00 5.52300e+03 1.21895e+04 1.89260e+04 ... 2.97645e+04 3.37135e+04 4.79720e+04 7.20315e+04 1.40967e+05], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
0	42	1.1%
8032	3	0.1%
6314	3	0.1%
14848	3	0.1%
10980	3	0.1%
11338	3	0.1%
15183	3	0.1%
8357	3	0.1%
6565	3	0.1%
13034	3	0.1%
Other values (3662)	3884	98.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	42	1.1%
3	1	< 0.1%
6	1	< 0.1%
8	1	< 0.1%
16	1	< 0.1%

Value	Count	Frequency (%)
140967	1	< 0.1%
131949	1	< 0.1%
130920	1	< 0.1%
124744	1	< 0.1%
123416	1	< 0.1%

total_paymnt
Real number (ℝ_≥0)

Distinct count	3710
Unique (%)	93.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14435.064318165443
Minimum	0.0
Maximum	58886.47343
Zeros	2
Zeros (%)	0.1%
Memory size	31.0 KiB

Quantile statistics

Minimum	0
5-th percentile	2401.064047
Q1	6614.78722
median	11907.35
Q3	19190.68001
95-th percentile	35788.92425
Maximum	58886.47343
Range	58886.47343
Interquartile range (IQR)	12575.89279

Descriptive statistics

Standard deviation	10492.53033
Coefficient of variation (CV)	0.7268779753
Kurtosis	1.593830926
Mean	14435.06432
Median Absolute Deviation (MAD)	8121.314833
Skewness	1.261678967
Sum	57061809.25
Variance	110093192.6

Histogram
Dynamic Histogram

Histogram with fixed size bins (bins=10)

Histogram with variable size bins (bins=[ 0. 910.17 2699.89 3480.19083 3480.2699995 ... 40009.00912 40009.672485 47160.0108 47160.13944 58886.47343 ], "bayesian blocks" binning strategy used)

Value	Count	Frequency (%)
14288.76169	8	0.2%
13148.13786	7	0.2%
11907.34732	7	0.2%
12029.45	7	0.2%
11600.98	6	0.2%
14288.77	5	0.1%
11726.32	5	0.1%
10956.77596	5	0.1%
9011.557494	5	0.1%
13263.96	5	0.1%
Other values (3700)	3893	98.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2	0.1%
91.39	1	< 0.1%
151.8	1	< 0.1%
165.37	1	< 0.1%
203.55	1	< 0.1%

Value	Count	Frequency (%)
58886.47343	1	< 0.1%
58133.3199	1	< 0.1%
58090.95207	1	< 0.1%
58071.19982	1	< 0.1%
58071.19977	1	< 0.1%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

First rows

	name	email_id	gender	dt_applied	university	loan_amnt	funded_amnt_inv	term	int_rate	installment	grade	sub_grade	home_ownership	annual_inc	verification_status	loan_writeoff	purpose	zip_code	add_state	dti	inq_last_6mths	revol_bal	total_paymnt
0	Calley Giron	cgiron0@ehow.com	Female	01/01/81	Warner Southern College	5000	4975.0	36 months	0.107	162.87	B	B2	RENT	24000.0	Verified	0	credit_card	860xx	AZ	27.65	1	13648	5863.155187
1	Linus Stud	lstud1@washington.edu	Male	02/01/81	Shri Lal Bahadur Shastri Rashtriya Sanskrit Vidyapeetha	2500	2500.0	60 months	0.153	59.83	C	C4	RENT	30000.0	Source Verified	1	car	309xx	GA	1.00	5	1687	1014.530000
2	Lorelle Ambage	lambage2@wix.com	Female	03/01/81	Technische Universität Bergakademie Freiberg	2400	2400.0	36 months	0.160	84.33	C	C5	RENT	12252.0	Not Verified	0	small_business	606xx	IL	8.72	2	2956	3005.666844
3	Anna-diane Larrat	alarrat3@economist.com	Female	04/01/81	Divine Word College of Legazpi	10000	10000.0	36 months	0.135	339.31	C	C1	RENT	49200.0	Source Verified	0	other	917xx	CA	20.00	1	5598	12231.890000
4	Gill Ruske	NaN	Female	05/01/81	East China Jiao Tong University	3000	3000.0	60 months	0.127	67.79	B	B5	RENT	80000.0	Source Verified	0	other	972xx	OR	17.94	0	27783	4066.908161
5	Evelyn MacFaul	emacfaul5@theatlantic.com	Female	06/01/81	Ahmedabad University	5000	5000.0	36 months	0.079	156.46	A	A4	RENT	36000.0	Source Verified	0	wedding	852xx	AZ	11.20	3	7963	5632.210000
6	Ainslie Rainard	arainard6@virginia.edu	Female	07/01/81	NaN	7000	7000.0	60 months	0.160	170.08	C	C5	RENT	47004.0	Not Verified	0	debt_consolidation	280xx	NC	23.51	1	17726	10137.840010
7	Emmott Hamby	ehamby7@prnewswire.com	Male	08/01/81	Institute of Business Management	3000	3000.0	36 months	0.186	109.43	E	E1	RENT	48000.0	Source Verified	0	car	900xx	CA	5.35	2	8221	3939.135294
8	Shem Toomer	stoomer8@home.pl	Male	09/01/81	Osaka University of Education	5600	5600.0	60 months	0.213	152.39	F	F2	OWN	40000.0	Source Verified	1	small_business	958xx	CA	5.55	2	5210	647.500000
9	Giana Aberhart	gaberhart9@mozilla.com	Female	10/01/81	American Public University	5375	5350.0	60 months	0.127	121.45	B	B5	RENT	15000.0	Verified	1	other	774xx	TX	18.08	0	9279	1484.590000

Last rows

	name	email_id	gender	dt_applied	university	loan_amnt	funded_amnt_inv	term	int_rate	installment	grade	sub_grade	home_ownership	annual_inc	verification_status	loan_writeoff	purpose	zip_code	add_state	dti	delinq_2yrs	inq_last_6mths	revol_bal	total_paymnt
3943	Merla Thebe	mthebeq7@cocolog-nifty.com	Female	21/10/91	North Eastern Hill University	6000	6000.0	36 months	0.163	211.81	D	D1	RENT	39564.0	Verified	1	debt_consolidation	606xx	IL	23.78	2	1	2028	3388.960000
3944	Marcellina Dinneges	mdinnegesq8@infoseek.co.jp	Female	22/10/91	Universidade Católica de Santos	2400	2400.0	36 months	0.117	79.39	B	B3	RENT	39800.0	Not Verified	0	other	303xx	GA	14.32	0	0	15497	2836.660516
3945	Way Symonds	wsymondsq9@mlb.com	Male	23/10/91	American International University West Africa	25000	25000.0	60 months	0.183	638.25	D	D5	MORTGAGE	156000.0	Source Verified	0	house	944xx	CA	5.85	0	0	10709	37936.750000
3946	Ailene Matejka	NaN	Female	24/10/91	Kaya University	20000	20000.0	36 months	0.117	661.52	B	B3	RENT	80700.0	Verified	0	debt_consolidation	946xx	CA	13.67	0	1	7211	23406.523000
3947	Samuel Overel	NaN	Male	25/10/91	Northwestern University	12000	12000.0	60 months	0.183	306.36	D	D5	MORTGAGE	34000.0	Not Verified	1	debt_consolidation	177xx	PA	12.56	0	0	6114	9667.950000
3948	Corbie Creeboe	ccreeboeqc@sitemeter.com	Male	26/10/91	Shaheed Rajaei Teacher Training University	12000	12000.0	36 months	0.135	407.17	C	C1	RENT	125000.0	Source Verified	0	wedding	086xx	NJ	13.18	0	1	46286	14657.917650
3949	Bobbe Ochterlonie	bochterlonieqd@ezinearticles.com	Female	27/10/91	Dhofar University	15000	15000.0	36 months	0.124	501.23	B	B4	RENT	72000.0	Verified	0	debt_consolidation	104xx	NY	7.47	0	1	12147	16729.253640
3950	Corella Esposito	cespositoqe@macromedia.com	Female	28/10/91	University of Jan Evangelista Purkyne	12000	12000.0	36 months	0.060	365.23	A	A1	OWN	48000.0	Not Verified	0	debt_consolidation	365xx	AL	23.35	0	0	22385	13148.137860
3951	Prince Dibdin	pdibdinqf@businessinsider.com	Male	29/10/91	College in Sládkovičovo	15000	15000.0	60 months	0.160	364.46	C	C5	RENT	50000.0	Verified	1	debt_consolidation	907xx	CA	18.26	0	1	9799	10883.540000
3952	Georgette Warratt	gwarrattqg@java.com	Female	30/10/91	Technical University of Lublin	15000	14975.0	60 months	0.153	358.98	C	C4	MORTGAGE	32976.0	Not Verified	1	debt_consolidation	177xx	PA	17.90	0	1	7956	11704.260000

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Missing values

Sample

First rows

Last rows